At $4599, Detroit has one of the highest annual average auto insurance rates in the country as of December 2013. The state average of $2520 is amongst the highest state averages in the country. Given that it is in mandatory in Michigan, auto insurance is a substantial expense in owning and operating a car in Michigan. The rates do vary across the state. For instance, it costs an average $1757 in Muskegon, $2945 in Dearborn and $3203 in Flint to buy auto insurance.
Insurance premiums being as high as they are in Michigan, it is important to maintain a good driving record so as not to allow the costs of owning a car spiral out of control. The costs of bad or irresponsible driving may provide motivation to drive safe. For example, we all know that accidents will drive up insurance costs. One accident will push up your premium to $5664 in Detroit. A second accident will push it up to $8450.
Drunk driving can have an even bigger impact on insurance costs than accidents. If you get caught driving drunk in Detroit your premium will skyrocket from $4599, which is already high, to $8554 in one shot. At that cost, it might be just plain impossible to maintain a car. A defensive driving course will not only help you become a better driver who is less prone to have accidents but also reduce your inflated premium payments by up to 15%. In Detroit, a 15% reduction in premium after getting caught drunk driving will see the premium stand at $7271. That reduced rate is still amongst the highest in the country.
One of the reasons for the expensive insurance rates in Michigan is the high number of alcohol impaired driving fatalities. Of the 938 traffic fatalities in Michigan in 2012, 259, or 28%, were alcohol related. If $8554 isn’t enough motivation to drive safely, then consider the cost of your life.